医疗保障与老年医疗消费的实证分析  

The Experience Analysis Between the Elder's Medical Consumption and the Medical Security

作　　者：赖国毅[1] 

机构地区：[1]成都师范学院政教系,四川成都611130

出　　处：《社会保障研究》2012年第6期46-57,共12页Social Security Studies

摘　　要：老年人的生活质量与医疗保障密切相关。本文运用Logistics回归和两步估计样本选择模型考察了医疗保险对老人医疗消费的影响。结果显示医疗保险能增加老年人的医疗利用水平但未能减轻医疗支出水平;人口禀赋因素是影响老年人购买商业医疗保险的决定因素,并通过交互作用影响老人的消费行为;老人医疗消费的健康效应强于收入效应。在实践中应首先从制度安排上为医疗保险提供明确的政策信号其次应为商业医疗保险的发展创造有利条件;最后应为老人营造温馨的氛围,从而减少医疗消费。The elder＇ s life quality is closely related to the medical security. The paper focused on the influence between the medical insurance and the elder＇ s medical consumption through the Logistics Regression and two - step estimation sample selection model. The results show that, firstly, the medical insurance can increase the elder＇ s medical usage, but it could not decrease the medical expenditure. Secondly, the Population endowment factor is the key factor whether the elders will buy the commercial medical insurance or not and will affect the elder＇ s consumption through the interaction. Thirdly, the health effect is better than income effect in the elder＇ s medical consumption. There is no doubt that we should offer a clear policy signal for medical insurance in the medical security system; and then we should create the favorable conditions for the development of the commercial medical insurance; finally,we should build a comfortable space so that the elders could decrease the medical consumption.

关 键 词：货币幻觉 有限理性 就医替代 即期消费 

分 类 号：D669.6[政治法律—政治学]